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Earnings Call Transcript

Home First Finance Company India Earnings Call Transcript: Key Takeaways

Home First delivered robust 27% AUM growth with improving profitability metrics. Management reaffirmed long-term commitment despite minor margin headwinds from rising borrowing costs.

Guidance and delivery
Management target Revenue 25.0% FY27
Highlights
Revenue growthTotal income grew 18.4% YoY to ₹567 Cr.
MarginsSpreads stable at 5.2%; NIM healthy at 6%.
Demand visibilityStrong momentum in Gujarat and Maharashtra; recovery noted in Tamil Nadu.
Management confidenceCEO reaffirmed long-term commitment and stability across regional teams.

Growth

AUM grew 27% YoY to ₹11,010 Cr; disbursements up 32.2% YoY. Profit after tax rose 29.1% YoY.

Outlook

Targeting 25% AUM growth and 16% ROE by FY28 exit.

Risks

Rising borrowing costs and new RBI draft guidelines on re-pricing are key monitoring areas.

Source

Earnings Call Transcript filed with NSE, NSE: HOMEFIRST. Summary written with AI assistance from the document.

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Home First Finance Company India Ltd: key numbers

Share price
₹1,017.00
Market cap
₹10,634 Cr
Revenue (annual)
₹1,915 Cr
Net profit (annual)
₹540.4 Cr
P/E (TTM)
17.2×Sector 19.7×
Promoter holding
6.97%+0.00% QoQ
FII holding
42.44%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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